The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM Stock 023135106   1,981,620 10,635 SH   SOLE 0 130 0 10,505
INVESCO QQQ TRUST SERIES I ETF 46090E103   207,918 426 SH   SOLE 0 0 0 426
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   2,619,268 11,602 SH   SOLE 0 64 0 11,538
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649   23,958,983 916,564 SH   SOLE 0 30,009 0 886,555
SPDR PORTFOLIO S&P 500 HIGH DIVIDEND ETF ETF 78468R788   5,161,235 113,061 SH   SOLE 0 17,266 0 95,795
JOHNSON & JOHNSON COM Stock 478160104   1,579,761 9,748 SH   SOLE 0 2,036 0 7,712
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769   276,081 975 SH   SOLE 0 0 0 975
VANGUARD ENERGY ETF ETF 92204A306   478,490 3,907 SH   SOLE 0 1,900 0 2,007
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF ETF 921946794   3,746,769 51,032 SH   SOLE 0 12,550 0 38,482
COSTCO WHSL CORP NEW COM Stock 22160K105   1,043,434 1,177 SH   SOLE 0 233 0 944
GOLDMAN SACHS GROUP INC COM Stock 38141G104   942,194 1,903 SH   SOLE 0 393 0 1,510
WATSCO INC COM Stock 942622200   374,321 761 SH   SOLE 0 0 0 761
PROCTER AND GAMBLE CO COM Stock 742718109   704,751 4,069 SH   SOLE 0 793 0 3,276
COCA COLA CO COM Stock 191216100   1,290,318 17,956 SH   SOLE 0 4,681 0 13,275
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND ETF 336917109   262,020 6,246 SH   SOLE 0 0 0 6,246
ISHARES U.S. ENERGY ETF ETF 464287796   1,238,437 26,725 SH   SOLE 0 0 0 26,725
TRUIST FINL CORP COM Stock 89832Q109   286,473 6,698 SH   SOLE 0 500 0 6,198
UNITED PARCEL SERVICE INC CL B Stock 911312106   392,796 2,881 SH   SOLE 0 0 0 2,881
CLOROX CO DEL COM Stock 189054109   335,432 2,059 SH   SOLE 0 1,350 0 709
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158   10,008,938 94,255 SH   SOLE 0 6,739 0 87,516
SPDR S&P 500 ETF TRUST ETF 78462F103   1,186,727 2,068 SH   SOLE 0 825 0 1,243
MASTERCARD INCORPORATED CL A Stock 57636Q104   240,974 488 SH   SOLE 0 0 0 488
DIAGEO PLC SPON ADR NEW ADR 25243Q205   207,844 1,481 SH   SOLE 0 500 0 981
FEDERAL SIGNAL CORP COM Stock 313855108   233,650 2,500 SH   SOLE 0 0 0 2,500
ISHARES TIPS BOND ETF ETF 464287176   15,921,157 144,122 SH   SOLE 0 4,643 0 139,479
VERTEX PHARMACEUTICALS INC COM Stock 92532F100   253,004 544 SH   SOLE 0 0 0 544
VERIZON COMMUNICATIONS INC COM Stock 92343V104   1,033,783 23,019 SH   SOLE 0 4,139 0 18,880
FEDEX CORP COM Stock 31428X106   370,836 1,355 SH   SOLE 0 0 0 1,355
PEPSICO INC COM Stock 713448108   1,005,336 5,912 SH   SOLE 0 1,138 0 4,774
KIMBERLY-CLARK CORP COM Stock 494368103   215,981 1,518 SH   SOLE 0 1,500 0 18
TRANE TECHNOLOGIES PLC SHS Stock G8994E103   216,911 558 SH   SOLE 0 298 0 260
HOME DEPOT INC COM Stock 437076102   1,027,992 2,537 SH   SOLE 0 1,290 0 1,247
AUTOMATIC DATA PROCESSING INC COM Stock 053015103   389,913 1,409 SH   SOLE 0 0 0 1,409
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209   1,150,067 7,467 SH   SOLE 0 85 0 7,382
SPDR GOLD SHARES ETF 78463V107   692,478 2,849 SH   SOLE 0 0 0 2,849
SCHWAB U.S. SMALL-CAP ETF ETF 808524607   268,624 5,216 SH   SOLE 0 0 0 5,216
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   1,144,909 3,050 SH   SOLE 0 1,871 0 1,179
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   295,814 4,447 SH   SOLE 0 0 0 4,447
SCHWAB INTERNATIONAL EQUITY ETF ETF 808524805   652,944 15,879 SH   SOLE 0 1,322 0 14,557
SCHWAB U.S. LARGE-CAP ETF ETF 808524201   445,775 6,570 SH   SOLE 0 0 0 6,570
IQVIA HLDGS INC COM Stock 46266C105   444,793 1,877 SH   SOLE 0 0 0 1,877
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   578,689 4,948 SH   SOLE 0 309 0 4,638
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   2,775,828 6,031 SH   SOLE 0 320 0 5,711
SCHWAB EMERGING MARKETS EQUITY ETF ETF 808524706   43,808,051 1,501,304 SH   SOLE 0 75,309 0 1,425,995
ALPHABET INC CAP STK CL A Stock 02079K305   1,480,377 8,926 SH   SOLE 0 0 0 8,926
CSX CORP COM Stock 126408103   207,353 6,005 SH   SOLE 0 0 0 6,005
MICROSOFT CORP COM Stock 594918104   3,369,679 7,831 SH   SOLE 0 634 0 7,197
INVESCO CEF INCOME COMPOSITE ETF ETF 46138E404   689,850 35,000 SH   SOLE 0 35,000 0 0
ISHARES MSCI BRAZIL ETF ETF 464286400   459,749 15,590 SH   SOLE 0 0 0 15,590
VANGUARD SMALL-CAP ETF ETF 922908751   83,853,972 353,501 SH   SOLE 0 18,199 0 335,302
VANGUARD MID-CAP ETF ETF 922908629   36,845,442 139,656 SH   SOLE 0 9,304 0 130,352
VANGUARD LARGE-CAP ETF ETF 922908637   101,294,245 384,725 SH   SOLE 0 21,686 0 363,039
NEXTERA ENERGY INC COM Stock 65339F101   593,654 7,023 SH   SOLE 0 26 0 6,997
ISHARES MSCI EMERGING MARKETS EX CHINA ETF ETF 46434G764   390,860 6,396 SH   SOLE 0 0 0 6,396
NORFOLK SOUTHN CORP COM Stock 655844108   228,869 921 SH   SOLE 0 35 0 886
ALERIAN MLP ETF ETF 00162Q452   2,886,948 61,255 SH   SOLE 0 11,941 0 49,314
VANGUARD CONSUMER STAPLES ETF ETF 92204A207   275,066 1,259 SH   SOLE 0 500 0 759
BROOKFIELD CORP CL A LTD VT SH Stock 11271J107   325,383 6,119 SH   SOLE 0 0 0 6,119
DOW INC COM Stock 260557103   900,029 16,475 SH   SOLE 0 3,331 0 13,144
ISHARES MSCI BRAZIL SMALL-CAP ETF ETF 464289131   382,520 30,407 SH   SOLE 0 0 0 30,407
VANGUARD S&P 500 ETF ETF 922908363   504,980 957 SH   SOLE 0 500 0 457
UBER TECHNOLOGIES INC COM Stock 90353T100   410,449 5,461 SH   SOLE 0 0 0 5,461
ISHARES IBONDS DEC 2028 TERM MUNI BOND ETF ETF 46435U325   5,978,274 233,253 SH   SOLE 0 15,530 0 217,723
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107   376,507 661 SH   SOLE 0 28 0 632
ISHARES IBONDS DEC 2027 TERM MUNI BOND ETF ETF 46435U283   17,909,572 703,716 SH   SOLE 0 46,279 0 657,437
VANECK GOLD MINERS ETF ETF 92189F106   254,729 6,397 SH   SOLE 0 0 0 6,397
ELI LILLY & CO COM Stock 532457108   216,169 244 SH   SOLE 0 42 0 202
AIR PRODS & CHEMS INC COM Stock 009158106   238,192 800 SH   SOLE 0 377 0 423
SP FUNDS DOW JONES GLOBAL SUKUK ETF ETF 886364702   223,537 12,138 SH   SOLE 0 0 0 12,138
ISHARES RUSSELL 2000 ETF ETF 464287655   913,380 4,135 SH   SOLE 0 1,599 0 2,536
DUKE ENERGY CORP NEW COM NEW Stock 26441C204   344,401 2,987 SH   SOLE 0 1,412 0 1,575
AFLAC INC COM Stock 001055102   224,271 2,006 SH   SOLE 0 2,000 0 6
QUANTA SVCS INC COM Stock 74762E102   857,181 2,875 SH   SOLE 0 0 0 2,875
ISHARES SELECT DIVIDEND ETF ETF 464287168   610,651 4,521 SH   SOLE 0 2,449 0 2,072
VANGUARD SMALL CAP VALUE ETF ETF 922908611   3,264,482 16,259 SH   SOLE 0 0 0 16,259
REGENERON PHARMACEUTICALS COM Stock 75886F107   252,298 240 SH   SOLE 0 0 0 240
VANGUARD RUSSELL 1000 ETF ETF 92206C730   32,903,016 126,516 SH   SOLE 0 4,782 0 121,734
SPDR NUVEEN BLOOMBERG HIGH YIELD MUNICIPAL BOND ETF ETF 78464A284   964,477 36,714 SH   SOLE 0 0 0 36,714
VANGUARD MID-CAP GROWTH ETF ETF 922908538   975,341 4,006 SH   SOLE 0 0 0 4,006
XYLEM INC COM Stock 98419M100   470,309 3,483 SH   SOLE 0 3,086 0 397
VISA INC COM CL A Stock 92826C839   971,673 3,534 SH   SOLE 0 1,240 0 2,294
DIMENSIONAL U.S. SMALL CAP ETF ETF 25434V500   343,888 5,302 SH   SOLE 0 0 0 5,302
GOLDMAN SACHS FUTURE TECH LEADERS EQUITY ETF ETF 38149W812   17,827,258 585,662 SH   SOLE 0 28,636 0 557,026
ISHARES MSCI INDIA ETF ETF 46429B598   638,738 10,913 SH   SOLE 0 0 0 10,913
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595   684,467 2,560 SH   SOLE 0 0 0 2,560
VANGUARD VALUE ETF ETF 922908744   20,655,122 118,320 SH   SOLE 0 426 0 117,894
VANGUARD GROWTH ETF ETF 922908736   18,813,722 49,003 SH   SOLE 0 202 0 48,801
AMERICAN TOWER CORP NEW COM REIT 03027X100   450,004 1,935 SH   SOLE 0 717 0 1,218
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   377,237 3,003 SH   SOLE 0 2,064 0 939
META PLATFORMS INC CL A Stock 30303M102   532,369 930 SH   SOLE 0 9 0 921
GLOBAL X MLP ETF ETF 37954Y343   247,913 5,167 SH   SOLE 0 5,167 0 0
PALO ALTO NETWORKS INC COM Stock 697435105   726,667 2,126 SH   SOLE 0 0 0 2,126
ALPS SECTOR DIVIDEND DOGS ETF ETF 00162Q858   1,542,655 26,160 SH   SOLE 0 3,178 0 22,982
MONDELEZ INTL INC CL A Stock 609207105   204,140 2,771 SH   SOLE 0 1,000 0 1,771
BUILDERS FIRSTSOURCE INC COM Stock 12008R107   246,590 1,272 SH   SOLE 0 1,267 0 5
BROADCOM INC COM Stock 11135F101   263,925 1,530 SH   SOLE 0 250 0 1,280
MARTIN MARIETTA MATLS INC COM Stock 573284106   222,297 413 SH   SOLE 0 245 0 168
NVIDIA CORPORATION COM Stock 67066G104   1,110,812 9,147 SH   SOLE 0 0 0 9,147
CUMMINS INC COM Stock 231021106   325,085 1,004 SH   SOLE 0 1,000 0 4
ABBVIE INC COM Stock 00287Y109   237,568 1,203 SH   SOLE 0 266 0 937
SPDR S&P METALS & MINING ETF ETF 78464A755   1,684,183 26,431 SH   SOLE 0 0 0 26,431
CURTISS WRIGHT CORP COM Stock 231561101   328,690 1,000 SH   SOLE 0 1,000 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648   236,004 831 SH   SOLE 0 0 0 831
JACOBS SOLUTIONS INC COM Stock 46982L108   244,521 1,868 SH   SOLE 0 0 0 1,868
STRYKER CORPORATION COM Stock 863667101   241,322 668 SH   SOLE 0 575 0 93
GENERAL DYNAMICS CORP COM Stock 369550108   270,771 896 SH   SOLE 0 500 0 396
RESMED INC COM Stock 761152107   585,888 2,400 SH   SOLE 0 1,000 0 1,400
MCDONALDS CORP COM Stock 580135101   1,138,258 3,738 SH   SOLE 0 1,507 0 2,231
GLOBAL X URANIUM ETF ETF 37954Y871   16,621,552 580,970 SH   SOLE 0 25,661 0 555,309
CISCO SYS INC COM Stock 17275R102   1,226,721 23,050 SH   SOLE 0 4,491 0 18,559
CAPITAL ONE FINL CORP COM Stock 14040H105   209,472 1,399 SH   SOLE 0 0 0 1,399
VANECK JUNIOR GOLD MINERS ETF ETF 92189F791   35,827,516 734,020 SH   SOLE 0 34,311 0 699,709
VANGUARD INTERMEDIATE-TERM TAX-EXEMPT BOND ETF ETF 922907738   8,096,010 80,008 SH   SOLE 0 3,796 0 76,212
VANGUARD INTERMEDIATE-TERM BOND ETF ETF 921937819   15,847,119 202,209 SH   SOLE 0 6,728 0 195,481
SPDR PORTFOLIO SHORT TERM TREASURY ETF ETF 78468R101   23,481,356 798,414 SH   SOLE 0 25,722 0 772,692
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887   23,825,450 170,804 SH   SOLE 0 8,970 0 161,834
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407   420,777 2,100 SH   SOLE 0 24 0 2,076
INVESCO S&P ULTRA DIVIDEND REVENUE ETF ETF 46138G656   35,138,304 703,640 SH   SOLE 0 45,046 0 658,594
FIDELITY MSCI ENERGY INDEX ETF ETF 316092402   258,210 10,723 SH   SOLE 0 0 0 10,723
LAMAR ADVERTISING CO NEW CL A REIT 512816109   254,374 1,904 SH   SOLE 0 0 0 1,904
UNION PAC CORP COM Stock 907818108   1,339,619 5,435 SH   SOLE 0 1,000 0 4,435
VANGUARD MID-CAP VALUE ETF ETF 922908512   908,268 5,417 SH   SOLE 0 0 0 5,417
JPMORGAN CHASE & CO. COM Stock 46625H100   1,456,410 6,907 SH   SOLE 0 914 0 5,993
CHEVRON CORP NEW COM Stock 166764100   911,159 6,187 SH   SOLE 0 1,305 0 4,882
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   11,969,288 110,184 SH   SOLE 0 7,612 0 102,572
MARKEL GROUP INC COM Stock 570535104   304,305 194 SH   SOLE 0 0 0 194
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858   47,428,450 898,096 SH   SOLE 0 49,034 0 849,062
M & T BK CORP COM Stock 55261F104   210,182 1,180 SH   SOLE 0 0 0 1,180
TJX COS INC NEW COM Stock 872540109   381,535 3,246 SH   SOLE 0 2,000 0 1,246
BANK AMERICA CORP COM Stock 060505104   288,950 7,282 SH   SOLE 0 0 0 7,282
SPDR S&P DIVIDEND ETF ETF 78464A763   427,540 3,010 SH   SOLE 0 875 0 2,135
WALMART INC COM Stock 931142103   682,176 8,448 SH   SOLE 0 3,033 0 5,415
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448   4,086,522 135,181 SH   SOLE 0 24,434 0 110,747
INTERNATIONAL BUSINESS MACHS COM Stock 459200101   1,306,141 5,908 SH   SOLE 0 1,105 0 4,803
ORACLE CORP COM Stock 68389X105   748,567 4,393 SH   SOLE 0 185 0 4,208
RTX CORPORATION COM Stock 75513E101   319,014 2,633 SH   SOLE 0 276 0 2,357
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858   3,515,757 73,475 SH   SOLE 0 270 0 73,204
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   33,794,289 263,606 SH   SOLE 0 27,031 0 236,575
PFIZER INC COM Stock 717081103   382,905 13,231 SH   SOLE 0 1,970 0 11,261
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242   7,979,438 70,627 SH   SOLE 0 2,316 0 68,311
3M CO COM Stock 88579Y101   1,351,006 9,883 SH   SOLE 0 2,277 0 7,606
CATERPILLAR INC COM Stock 149123101   1,135,812 2,904 SH   SOLE 0 1,550 0 1,354
ALPHABET INC CAP STK CL C Stock 02079K107   1,869,184 11,180 SH   SOLE 0 2,380 0 8,800
AMERICAN EXPRESS CO COM Stock 025816109   331,135 1,221 SH   SOLE 0 233 0 988
AMGEN INC COM Stock 031162100   1,241,797 3,854 SH   SOLE 0 1,040 0 2,814
APPLIED MATLS INC COM Stock 038222105   384,501 1,903 SH   SOLE 0 1,035 0 868
FIDELITY NATIONAL FINANCIAL IN FNF GROUP COM Stock 31620R303   298,012 4,802 SH   SOLE 0 0 0 4,802
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   24,182,061 238,788 SH   SOLE 0 7,860 0 230,928
ISHARES 20 YEAR TREASURY BOND ETF ETF 464287432   8,677,337 88,454 SH   SOLE 0 2,615 0 85,839
SPDR PORTFOLIO S&P 500 ETF ETF 78464A854   329,179 4,876 SH   SOLE 0 0 0 4,876
EATON CORP PLC SHS Stock G29183103   364,584 1,100 SH   SOLE 0 14 0 1,086
ISHARES S&P SMALL-CAP 600 VALUE ETF ETF 464287879   22,500,509 208,996 SH   SOLE 0 10,943 0 198,053
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606   925,643 10,069 SH   SOLE 0 0 0 10,069
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705   393,112 3,180 SH   SOLE 0 0 0 3,180
PHILIP MORRIS INTL INC COM Stock 718172109   350,725 2,889 SH   SOLE 0 1,000 0 1,889
VANGUARD MEGA CAP GROWTH ETF ETF 921910816   790,387 2,455 SH   SOLE 0 2,187 0 268
VANGUARD MEGA CAP ETF ETF 921910873   2,093,263 10,130 SH   SOLE 0 0 0 10,130
SPDR DOW JONES REIT ETF ETF 78464A607   280,060 2,624 SH   SOLE 0 1,854 0 770
SPDR S&P INTERNATIONAL DIVIDEND ETF ETF 78463X772   930,604 24,237 SH   SOLE 0 15,391 0 8,846
EXXON MOBIL CORP COM Stock 30231G102   1,196,113 10,204 SH   SOLE 0 1,000 0 9,204
UNITEDHEALTH GROUP INC COM Stock 91324P102   348,469 596 SH   SOLE 0 74 0 522
LOWES COS INC COM Stock 548661107   1,307,393 4,827 SH   SOLE 0 0 0 4,827
DEERE & CO COM Stock 244199105   339,289 813 SH   SOLE 0 0 0 813
COLGATE PALMOLIVE CO COM Stock 194162103   480,225 4,626 SH   SOLE 0 2,000 0 2,626
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889   4,351,476 115,854 SH   SOLE 0 18,197 0 97,657
ISHARES CORE S&P MID-CAP ETF ETF 464287507   215,627 3,460 SH   SOLE 0 0 0 3,460
VANGUARD TAX-EXEMPT BOND ETF ETF 922907746   18,715,901 366,117 SH   SOLE 0 33,378 0 332,739
ISHARES MSCI EAFE ETF ETF 464287465   16,090,311 192,399 SH   SOLE 0 1,091 0 191,307
APPLE INC COM Stock 037833100   5,095,011 21,867 SH   SOLE 0 3,442 0 18,425
DISNEY WALT CO COM Stock 254687106   237,974 2,474 SH   SOLE 0 375 0 2,099
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742   274,352 2,292 SH   SOLE 0 0 0 2,292
BOOKING HOLDINGS INC COM Stock 09857L108   475,970 113 SH   SOLE 0 0 0 113
ISHARES RUSSELL 1000 ETF ETF 464287622   928,708 2,954 SH   SOLE 0 2,181 0 773
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   441,475 2,326 SH   SOLE 0 1,223 0 1,103